| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE3 | — | KAISER FOUNDATION HEALTH PLAN, INC | — | — | $0 | 0.00% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 2.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $56K | — | $56K | 11.85% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | TRANSAMERICA LIFE INSURANCE CO. | $29K | — | $29K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $19K | — | $19K | 4.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $12K | — | $12K | 3.16% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY STE. 200 WEST DES MOINES, IA 50266 | STONEBRIDGE LIFE INSURANCE | $8K | — | $8K | 2.11% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 2.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST. SE CEDAR RAPIDS, IA 52401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 20.05% |
| ALAN PAPE3 | 115 E PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.99% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST. MAQUOKETA, IN 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.03% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.00% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.00% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE. 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $451 | $0 | $451 | 2.00% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY., STE 200 WEST DES MOINES, IA 50266 | TELEDOC | $3K | — | $3K | 13.60% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 463 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,183 | $510K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,178 | $247K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,183 | $171K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 228 | $380K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,183 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.